Bank of San Francisco: how it compares with its peers
Against 37 CA banks with half to twice its assets, Bank of San Francisco's strongest measure in Q2 2026 is net interest margin (4.34% vs. a 3.77% peer median). Its weakest relative measure is return on assets (0.93% vs. 1.10%).
| Measure | Bank of San Francisco | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 1.10% | Bottom third Ahead of 32% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.34% | 3.77% | Top third Ahead of 84% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.08% | 60.43% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.9M | $9.8M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.82% | 91.87% | Context |
What it means for lending operations
Its efficiency ratio of 64.08% is above the 60.43% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Commercial Bank (USA) Alhambra, CA · $850M
- Endeavor Bank San Diego, CA · $823M
- River Valley Community Bank Yuba City, CA · $793M
- American Plus Bank, N.A. Arcadia, CA · $935M
- Pinnacle Bank Gilroy, CA · $937M
- Mission Valley Bank Sun Valley, CA · $782M
Questions about Bank of San Francisco
How big is Bank of San Francisco?
Bank of San Francisco, established in 2005, is headquartered in San Francisco, CA. It reported $864M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bank of San Francisco's return on assets?
0.93% annualized in Q2 2026, against a 1.10% median for 37 CA banks with half to twice its assets, ahead of 32% of them.
What is Bank of San Francisco's efficiency ratio?
64.08% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 60.43%, and lower is better.
Is Bank of San Francisco growing its loans?
Net loans grew 26.5% over the year to Q2 2026, while deposits grew 27.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.